In Canada, a person can file a consumer proposal as an alternative to bankruptcy.

The creditors have 45 days to accept or reject the consumer proposal.

A consumer proposal can only be made by a debtor with debts to a maximum of $ 250, 000 ( not including the mortgage on their principal residence ).

A proposal for the sale of the UK's social housing stock claimed that the " perpetual search for profitability " of private-sector owners would " them to discover and produce what the consumer wants " and that, in this way, the market was " more genuinely democratic than the public sector, involving the decisions of far more individuals and at much more frequent intervals ".

The trustee may also assist individual in preparing and submitting a consumer proposal to creditors.

* Where debts of an individual, excluding debts secured by the individual's principal residence, are not more than $ 250, 000, an insolvent debtor may file a consumer (" Division II ") proposal with his creditors.

* If the consumer proposal is not accepted by the creditors or the consumer proposal is not a viable option, an insolvent person may either voluntarily assign himself into bankruptcy or be involuntarily petitioned into bankruptcy by his creditors

And to do this requires first of all the kind of information about people which is provided by the scientists in industrial anthropology and consumer research, who, for example, tell Courtenay that three days is the `` optimum priming period for a closed social circuit to be triggered with a catalytic cue-phrase '' -- which means that an effective propaganda technique is to send an idea into circulation and then three days later reinforce or undermine it.

What it is trying to do is to protect the little man, too, as well as trying to maintain a flow of fresh meat to all stores, with choice of cut being made by the consumer, not the store.

This program is based on the policy of designing and building efficient machines which will help produce better textile values -- fabrics whose cost in relation to quality, fashion and utility provide the consumer with better textile products for the money.

Another growth factor is increased consumer demand for better quality and larger quantities of fabrics that go with a rising standard of living.

It is interesting to note that the present level of military electronics procurement is greater than the industry's total sales to all markets in 1950-1953, which were good years for our industry with television enjoying its initial period of rapid consumer acceptance.

It is thick, much like an egg plant's skin, so that poison sprays, if they are used, present no hazard to the consumer.

Average consumer is becoming more sophisticated regarding product and advertising claims, partly because of widespread criticism of such assertions.

In spending his money today, the consumer is pulled in many directions.

Your competition is now proportionately greater -- you are competing not only against manufacturers in the same field but also against a vast array of manufacturers of other appealing consumer products.

The 2% increase in retail sales in October to a 4-month high is encouraging in this connection as well as the most recent consumer survey by the National Industrial Conference Board, which shows a decided pickup in consumer spending plans.

In a more pessimistic vein about the economic outlook, I suspect that the reservoir of demand for consumer goods and housing which was dammed-up during the Thirties and World War 2, is finally in the process of running dry.

This is not to say that the level of consumer expenditures will not continue to rise in the Sixties.

`` As we look to the $800 billion economy that is predicted for 1970 and the increase of about 40% in consumer expenditures that will be required to reach that goal, management can well be restless about how this tremendous volume and number of new products will be created and marketed '', Peterson said.

Mass production via assembly lines is widely considered to be the catalyst which initiated the modern consumer culture by making possible low unit cost for manufactured goods.

* Procter & Gamble is an American multinational consumer goods company headquartered in downtown Cincinnati, Ohio, USA.

Most commonly, the desired result is to drive consumer behavior with respect to a commercial offering, although political and ideological advertising is also common.

Bahamian tastes in consumer products roughly parallel those in the U. S. With approximately 85 % of the population of primarily African descent, there is a large and growing market in the Bahamas for " ethnic " personal care products.

The manufacturing sector is confined to some light industry, which is mainly involved in processing primary products and the cow production of consumer goods.

The appointment of Chairman Park, who successfully negotiated the industry-shift of Doosan Group from consumer goods to heavy industry, symbolises the rebirth of Chung-Ang University.

Subsequently, networks facilitating the process of money transfer and payment settlement between the consumer and the merchant grew from a small number of nationwide systems to the majority of payment processing transactions.

While effective non-legal debt counseling is usually the preferred-more economic and less disruptive-option, consumer default can end-up in legal debt settlement or consumer bankruptcy procedures, the last ranging from 1-year procedures in the UK to 6-year procedures in Germany.

* January 2006: The Federal Trade Commission announced a settlement with data broker Choicepoint, under which the company had to pay $ 10 million to the Commission and $ 5 million to redress consumer harms.

RRI and the FTC entered into a stipulated settlement agreement, in which RRI agreed to pay $ 221, 260 ( USD ) in consumer redress.

Organizations such as the National Association of Independent Land Title Agents seek to restore transparency and credibility to the land title process and to preserve an objective and impartial role at the closing table to improve the consumer experience, by addressing the proliferation of controlled business arrangements and eliminating conflicts of interest between title agents and their referral sources, as well as between all real estate settlement service providers and their sources of business.

" Orkin to reapply termite treatment to Missouri homes under terms of record consumer settlement with Nixon "

Also, while serving as Attorney General, Stratton brought the largest consumer action in the history of the New Mexico Attorney General ’ s office on behalf of New Mexico consumers against Frontier Ford gaining a $ 1. 2 million settlement on behalf of the state and consumers.

The revelation of the scandal and the subsequent settlement and apology have been recognized as unique in Japan's corporate culture, where consumer safety is usually a low priority.

The settlement was named after the Moscow Pravda newspaper, which at some point may have been the largest consumer of newsprint produced at the local paper mill.

In either variation, communication assistants translate between the signed / typed words of a consumer and the spoken words of others.

A typical legal rationale for protecting the consumer is based on the notion of policing market failures and inefficiencies, such as inequalities of bargaining power between a consumer and a business.

" In order to prevent consumer telephones from interfering with the MF-based routing and switching between telephone switching centers, DTMF's frequencies differ from all of the pre-existing MF signaling protocols between switching centers: MF / R1, R2, CCS4, CCS5, and others that were later replaced by SS7 digital signaling.

There are ongoing issues concerning the validity and reliability of the diagnostic categories ; the reliance on superficial symptoms ; the use of artificial dividing lines between categories and from ' normality '; possible cultural bias ; medicalization of human distress and financial conflicts of interest, including with the practice of psychiatrists and with the pharmaceutical industry ; political controversies about the inclusion or exclusion of diagnoses from the manual, in general or in regard to specific issues ; and the experience of those who are most directly affected by the manual by being diagnosed, including the consumer / survivor movement.

However, some have criticized these methods as taking away the right to seek redress of grievances in the courts, suggesting that extrajudicial dispute resolution may not offer the fairest way for parties not in an equal bargaining relationship, for example in a dispute between a consumer and a large corporation.

If money is also spent on capital goods and labor, then it is possible to make comparisons between capital goods and consumer goods.

Futures markets are a link between entrepreneurial investment decisions and household consumer decisions.

The interpretation of this relationship between price and quantity demanded of a given good assumes that, given all the other goods and constraints, the set of choices which emerges is that one which makes the consumer happiest.

In essence, every consumer would be indifferent between ( 1 ) going completely without the product or service and ( 2 ) being able to purchase it from the monopolist.

Consumer surplus is the difference between the value of a good to a consumer and the price the consumer must pay in the market to purchase it.

Berkeley weighs increased participation and a blurred line between producer and consumer against concerns that game copyrights limit commercialization and growth of machinima.

When it becomes possible for a people to describe as ‘ postmodern ’ the décor of a room, the design of a building, the diegesis of a film, the construction of a record, or a ‘ scratch ’ video, a television commercial, or an arts documentary, or the ‘ intertextual ’ relations between them, the layout of a page in a fashion magazine or critical journal, an anti-teleological tendency within epistemology, the attack on the ‘ metaphysics of presence ’, a general attenuation of feeling, the collective chagrin and morbid projections of a post-War generation of baby boomers confronting disillusioned middle-age, the ‘ predicament ’ of reflexivity, a group of rhetorical tropes, a proliferation of surfaces, a new phase in commodity fetishism, a fascination for images, codes and styles, a process of cultural, political or existential fragmentation and / or crisis, the ‘ de-centring ’ of the subject, an ‘ incredulity towards metanarratives ’, the replacement of unitary power axes by a plurality of power / discourse formations, the ‘ implosion of meaning ’, the collapse of cultural hierarchies, the dread engendered by the threat of nuclear self-destruction, the decline of the university, the functioning and effects of the new miniaturised technologies, broad societal and economic shifts into a ‘ media ’, ‘ consumer ’ or ‘ multinational ’ phase, a sense ( depending on who you read ) of ‘ placelessness ’ or the abandonment of placelessness (‘ critical regionalism ’) or ( even ) a generalised substitution of spatial for temporal coordinates-when it becomes possible to describe all these things as ‘ Postmodern ’ ( or more simply using a current abbreviation as ‘ post ’ or ‘ very post ’) then it ’ s clear we are in the presence of a buzzword.

EU market share of Turkish companies in consumer electronics has increased significantly following the Customs Union agreement signed between the EU and Turkey: in color TVs from 5 % in 1995 to more than 50 % in 2005, in digital devices from 3 % to 15 %, and in white goods from 3 % to 18 %.

A strict service economy model takes pains to distinguish between the goods and service guarantees to the market, and that of the service and experience to the consumer.

As the economy contracted in the 1980s, inflation levels ( consumer price inflation ) fell, remaining between 6 and 12 % from 1982 to 1986.

While it did work to a degree, it also caused confusion to the consumer as to the difference between " Philips Magnavox " products and " Philips " products, resulting in Philips marketing the 2 brands separately again.

The study also reported, " There is no overlap between clinical and consumer studies on the question of benefit.

If the consumer strictly prefers x to y or is indifferent between them, then.

In microeconomic theory, an indifference curve is a graph showing different bundles of goods between which a consumer is indifferent.

The fundamental assertion is that there is a maximum amount that " a consumer will give up, of one commodity, to get one unit of another good, in that amount which will leave the consumer indifferent between the new and old situations " The negative slope of the indifference curves represents the willingness of the consumer to make a trade off.